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Canadian credit cards - unhappy with mine

oncelingonceling Registered User regular
edited April 2007 in Help / Advice Forum
If there are any Canadians lurking around, I'm looking for advice on credit cards.

When I first got here, I applied for (and received) a Scotiabank VISA card with a $1000 limit (I was an immigrant, they didn't trust me 4 years ago) and thats about it.

4 years later I have an $180,000 credit line approved that I'm about to discharge (didn't need it for home improvements, just moved house instead). After that, I'll be left with just the $1000 credit card which doesn't really cut it these days.

I have excellent credit, I always pay in full every month and I have no hesitation that I'll have trouble applying for anything. My salary is well, well over the $35,000 requirement I found on VISA site and as above, I've had $180,000 approved before, its just that I'm discharging it as its not needed as a line of credit.

I like VISA, it works for me in terms of what I use it for (acceptability).

The problem I'm having is that the requirements *I* have to improve my experience with my card aren't things that banks seem to have on their websites. So I wonder if any of you know of a bank provider for VISA that meets these requirements:

1. 24 hour customer support (not just the stolen card thing, all support. Scotiabank closes at 6pm PST - RIDICULOUS) EDIT: this is phone support I'm talking about

2. They guarantee to send me the card before the PREVIOUS ONE EXPIRES. My current card expired March 31st and they told me to wait until NEXT WEDNESDAY to receive the new one.

3. A more generous credit limit increase without all the suspicion. Scotiabank seem really, really suspicious and I don't appreciate it given the business I've given them for 4 years with no trouble and no credit blemishes.

Anyone got a good card/bank to recommend? My regular accounts are with Scotiabank but they are making me so angry that if I had to, I would move them all. I'd rather not though, just such a hassle. Moving the card would be fine though, obviously, as is my intent.

onceling on


  • PheezerPheezer Registered User, ClubPA regular
    edited April 2007
    I don't think you're going to find the first one.

    As for the second one, I've never had that trouble. I've had cards with TD Bank Visa and CitiBank Mastercard and they've always sent me cards prior to the expiry of the original. I'd advise against CitiBank though, they kind of suck on the quality of customer service.

    Third, I don't know, most banks are eager to increase your credit.

    Pheezer on
  • Romantic UndeadRomantic Undead Registered User regular
    edited April 2007
    I've had the PC mastercard and the Royal Bank Visa. The PC mastercard is great because PC Financial has no overhead and thus interest rates are lower and it's easy to access and make transactions online. However, they are VERY strict with payment and if you miss one, they immediately cut you off until you call and explain what happened. (needless to say, I found this out the hard way).

    Visa is more standard. Higher interest but you have an overdraft and customer service is (in my experience) very understanding when things like theft/problems with payment etc...

    So it all depends on what you're looking for. If you're confident you won't have any problems keeping up to date ever, the PC Mastercard will serve you well, and save you money. For all-purpose CC needs (especially if you ever find yourself needing one in an emergency) RB Visa is the better bet.

    Romantic Undead on
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  • PhilodoxPhilodox Registered User regular
    edited April 2007
    I love my PC Mastercard. Low(ish) interest rates, no fees, and free groceries. You can't much better than that in my books.

    Philodox on
    That's a Freudian mansex if I ever cocked one.
  • supabeastsupabeast Registered User regular
    edited April 2007
    Here in the states I’ve found that the trick to increasing my credit limit is an occasional late payment; they think that makes me a good mark. It’s bad for interest rates, of course, but good for the limit.

    supabeast on
  • oncelingonceling Registered User regular
    edited April 2007
    Excellent advice! I had not even thought of PC but my roommate used to work there and has one - so I can easily find out all the info I need from him.

    onceling on
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